Your home is your biggest asset. Protect the structure and everything inside it from fire, flood, earthquakes, burglary, and more — starting at just ₹1,000 per year.
*Illustrative. Premiums vary by location and property type.
Comprehensive protection for your home structure and all contents inside.
Fire, lightning, explosion, implosion
Floods, earthquakes, cyclones, landslides
Malicious damage, riots, civil commotion
Damage by vehicles, aircraft, trees
Furniture, appliances, electronics
Jewellery, artwork, collectibles
Theft of household items and valuables
Pipe burst, leakage, overflow damage
Your home is often worth crores. A single fire or flood can cause damage worth years of savings — covered under one policy.
Home insurance is one of the most underutilised yet affordable covers — starting at just ₹1,000 per year for a ₹50 lakh home.
Many banks require home insurance as a condition of the home loan. We help you choose the right policy that satisfies lender requirements.
Good policies pay reconstruction cost (not depreciated value) — so you can actually rebuild your home after a total loss.
Some plans cover hotel/rent costs while your home is being repaired after an insured event — a hugely underrated benefit.
Home insurance claims are typically settled within 7–15 working days with proper documentation. We assist with the entire claim process.
Home insurance is not legally mandatory in India, but it is strongly recommended and often required by banks when you take a home loan. Banks may require fire and allied perils cover at a minimum for the loan tenure. Given the low cost and high coverage, it is one of the most cost-effective financial protections available.
No. You should insure the reconstruction/reinstatement cost — the cost to rebuild the structure — not the market value which includes land. Land cannot be damaged by fire or flood, so insuring it is unnecessary. For a flat, this means the construction cost per sq ft × your carpet area, not the circle rate value.
Yes. Most comprehensive home insurance policies include earthquake, flood, cyclone, and other natural disasters under the "allied perils" clause. Hyderabad falls under Seismic Zone II, which means earthquake risk is present but moderate — making coverage important and premiums relatively affordable.
Yes. Tenants can buy a contents-only home insurance policy to cover their furniture, electronics, and valuables from theft, fire, or water damage. The landlord's structure is covered under the owner's policy. We recommend all tenants buy a basic contents policy — it's typically under ₹2,000 per year.
Our advisors compare multiple home insurance plans to find you the best coverage at the lowest premium — completely free service.